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2024

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Best Homeowners Insurance Agencies in Berkeley, CA

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Berkeley Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

64Reviewed

41Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1433 Leimert Boulevard, Oakland, CA 94602

Expertise.com Rating

Review Sources

Yelp
4.5 (35)
Google
5.0 (9)

Why choose this provider?

Halbrook Insurance Agency - Oakland, California addresses the personal and business insurance needs of Berkeley residents. This agency helps homeowners obtain adequate financial protection for their homes and belongings through custom insurance solutions. Its home insurance products provide financial compensation for structural repairs due to damage from theft, explosions, hail, fire, and lightning. Policyholders may opt to receive actual cash or replacement values for destroyed belongings or homes. Insurance specialists from this agency inform clients of coverage limits, including silverware and jewelry.

  • Earthquake
  • Multiple Policy Types
  • Multiple Carriers

2980 College Avenue, Berkeley, CA 94705

Expertise.com Rating

Review Sources

Yelp
5.0 (33)
Google
4.2 (6)
Facebook
5.0 (4)

Why choose this provider?

Steve Bauer is a State Farm insurance agent based out of Berkeley and has been providing homeowners insurance throughout California since 1993. Steve and his team offer homeowners, condominium, and renters insurance. In addition, Steve provides business owners insurance, auto insurance, and life insurance. Steve is proud to be a member of several local business associations, including the Elwood Merchants Association and the Berkeley and Oakland Chamber of Commerce. Steve has received the National Multi-Line and the Honor Club award.

  • Renter's Insurance
  • Multiple Policy Types

4685 Telegraph Avenue, Oakland, CA 94609

Expertise.com Rating

Review Sources

Yelp
4.0 (5)
Google
4.0 (4)
Facebook
5.0 (2)

Why choose this provider?

Brignole & Ghiri Insurance helps property owners in Berkeley protect their investments. Founded in 1925, this company works with different insurers, including Chartis, Foremost, and Chubb, to provide comparative quotes to homeowners. Its insurance specialists seek to understand clients' financial goals and look for home insurance plans that meet their requirements. They also walk homeowners through available coverage packages, such as compensation for losses from vandalism, theft, fire, and natural disasters. Coverage options also include injury-related liability and medical claims.

  • Multiple Policy Types
  • Multiple Carriers
  • Renter's Insurance

1767 16th Street, Oakland, CA 94607

Expertise.com Rating

Review Sources

Google
4.0 (4)
Facebook
5.0 (1)

Why choose this provider?

David E. Quan Agency, Insurance Brokers, Inc., is an independent insurance firm that serves Oakland, Berkeley, and other cities in the Bay Area. One of the firm's specialized products is standard homeowners' insurance, which covers the dwelling and personal property protection for most disasters, as well as personal liability. Clients can extend their plan to include excess liability, flood, a secondary home, and water backup coverage. The firm was started in 1955 by David E. Quan, who was then a Safeco captive agent.

  • Fire
  • Multiple Policy Types
  • Personal Property Insurance

2625 Alcatraz Avenue, Berkeley, CA 94705

Expertise.com Rating

Review Sources

Yelp
5.0 (11)
Facebook
5.0 (5)

Why choose this provider?

David Hughes Reidenbach is a Farmers insurance agent protecting Berkeley homeowners and their properties. Farmers is a homeowners' insurance agency that protects its clients and their homes from damages caused by covered accidents and unforeseeable disasters such as fires, rainstorms, and strong winds. Clients may also be secured from damages to their homes caused by theft. The agency can also cover the contents of the property. The agency has been in the insurance business for more than 80 years.

  • Personal Property Insurance
  • Multiple Policy Types

1035 San Pablo Avenue, Albany, CA 94706

Expertise.com Rating

Review Sources

Yelp
5.0 (9)
Google
5.0 (1)

Why choose this provider?

Freeman Insurance Services, Inc., is an independent insurance agency serving Berkeley and the surrounding areas. Its agents focus on helping clients find homeowners' insurance policies that will offer the coverage they need, whether for specific losses or all possible risks and liabilities. The agency represents many top-rated insurance carriers, including Allstate, Chubb, The Hartford, Berkshire Hathaway Guard Insurance, and Foremost Insurance Group. Freeman Insurance Services, Inc., also provides auto, health, life, RV, and umbrella insurance.

  • Personal Property Insurance
  • Condos
  • Renter's Insurance

801 Allston Way, Berkeley, CA 94710

Expertise.com Rating

Review Sources

Google
4.3 (6)
Yelp
5.0 (6)
Facebook
5.0 (2)

Why choose this provider?

Fidelity Insurance Service offers homeowners insurance solutions to individuals residing in Berkeley. Its policy specialists help clients tailor a package that's suitable for their risks and needs. The company offers insurance to safeguard multiple types of residential property, including beach homes and secondary residences. The policies have clauses that allow clients to enjoy coverage for payments needed to repair their damaged property, replace lost valuables such as jewelry, and cover medical expenses for non-residents injured on the property.

  • Fire
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Halbrook Insurance Agency - Oakland, California
1433 Leimert Boulevard, Oakland, CA 94602
Steve Bauer - State Farm Insurance Agent
2980 College Avenue, Berkeley, CA 94705
Brignole & Ghiri Insurance
4685 Telegraph Avenue, Oakland, CA 94609
David E. Quan Agency, Insurance Brokers, Inc.
1767 16th Street, Oakland, CA 94607
David Hughes Reidenbach - Farmers Insurance Agent
2625 Alcatraz Avenue, Berkeley, CA 94705
Freeman Insurance Services, Inc.
1035 San Pablo Avenue, Albany, CA 94706
Fidelity Insurance Service
801 Allston Way, Berkeley, CA 94710

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • Are you required to have homeowners insurance in Berkeley before purchasing a home?

    Homeowners insurance is not required by law in California, but if your home in Berkeley is financed with a mortgage or you are planning to purchase a home, your lender may require you to get homeowners insurance Even if your lender does not require you to get one, it is still advisable to purchase homeowners insurance to protect your home and its contents in the event of a covered peril.

  • Does homeowners insurance in Berkeley cover dog bites?

    Some homeowners insurance policies in Berkeley cover dog bites, but not all insurance companies allow them. Some insurance companies require dog owners to purchase separate dog bite coverage or an insurance rider, which may increase the insurance premium. Depending on the insurance company, some may have breed restrictions, meaning the coverage will only include dog bites unless the breed is allowed in the policy.

  • Does homeowners insurance in Berkeley cover wildfires?

    In Berkeley, most standard homeowners insurance policies cover fire damage, which includes wildfires. After a wildfire damages your home, dwelling coverage can cover the cost of rebuilding or replacing the physical structure. Personal property coverage can pay to repair or replace your personal items damaged by a wildfire. You can use your coverage for other structures if wildfires affect unconnected structures on your property. Also, your insurance can pay for hotel stays, meals, and other expenses related to your relocation.

  • What will happen if you fail to pay your homeowners insurance in Berkeley?

    If you fail to pay your homeowners insurance in Berkeley, then your policy lapses. This means that you lose your homeowners insurance coverage. You can no longer claim from the insurance company should anything happen to your home. Plus, if you are on a mortgage, your lender could force-pay the house for you. Your lender may pay out of its pocket to protect their collateral. You will be charged a fee, and your loan could be forced into default.

  • What does the Additional Living Expense part of homeowners' insurance in Berkeley cover?

    If your homeowners insurance policy includes Additional Living Expenses, then it means that if your home in Berkeley becomes unlivable, you can use your insurance for some financial help, which covers temporary rent, pet boarding, and other expenses. It also pays for gas and mileage if you have to drive from your temporary home to school, work, or elsewhere. ALE can also pay for food if your temporary home has no cooking facilities.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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